Repossession Agent Help please!

[Katie2703]

Hi all,

 

Any help or advice would be so gratefully received.

 

Im in the process of trying to sort a payment agreement with Black Horse to clear my arrears on my HP car purchase.

 

Ive run into arrears and want to sort this out with Black Horse but they've passed the account to Peak Collections who refuse to accept a payment plan with me, they currently have my old address (I assume they've gone there are realised the car isnt there) Now they are telling me I need to meet with them within 24 hours to give them the vehicle and if I dont they'll report the car stolen to the Police - are they able to do this?

 

I know they cant take the car without my permission from my garage without a court order (which they dont have) but can they report it stolen to the police and if so can i then be arrested if Im found driving or with the car.

 

Ive paid less than a third so I realise if they find the car on a public street they can just repossess it without my permission but I actually want them to go to court so I can ask the judge to accept my payment plan, I can settle the arrears in 3 months and pay full monthly installments immedietly on top.

 

Any advice on getting them to go to court and advice on if they can report this as stolen would be massively appreciated. I feel sick with worry:-(

Thanks

[National Debtline]

Hello there.

 

Do you know if you have been sent an arrears notice or a default notice? You could consider making an application for a Time Order; we've more information here:

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=06_time_orders

 

Our hire-purchase fact sheet can be found here:

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=16_hire_purchase_debt

 

Best wishes,

 

National Debtline.

[Gaston Grimsdyke]

Yes time order is the way for you, your sitiuation is exactly what they were invented for.

[Katie2703]

Great thank you so much for your help. Im going down to my local court tomorrow to apply for a time order. Should I inform the collections agency? I told the rep on the phone but he just laughed. Should I notify them in writing?

[clio2010]

Great thank you so much for your help. Im going down to my local court tomorrow to apply for a time order. Should I inform the collections agency? I told the rep on the phone but he just laughed. Should I notify them in writing?

 

he laughed why because hes just a civilian he isnt a bailiff even though they think they are I dont know much about this but I know this hide your car!

[Katie2703]

he laughed why because hes just a civilian he isnt a bailiff even though they think they are I dont know much about this but I know this hide your car!

 

To be honest he appears just to be a bully, he keeps demanding i surrender the car so he obviously doesn't know where it is. Im pretty sure the car is safe and that they couldn't get it anyway as its not on a public road and in mean time I've borrowed another vehicle but I can't do this forever so really need it sorted. Im going to apply for a time order as advised and hope for best with this!

[Linda54]

Don't worry about the repossession thugs .. with their bullying tactics, they can't do anything but try to scare you into surrendering the car, and unless they're court appointed bailiffs they can't come onto your property, and even then they would have to have a court order after you appearing in court. Just keep in hidden for the time being until you have something sorted with the Time Order.

 

I'm in a similar situation but mine is with a Lease Company and nearing the end of the lease next month. Unfortunately I got into difficulties last November, due to lack of work, and rang them to ask for help and a reduced payment for a 3 month period until work came in in February. They point blank refused and passed me over to their debt collection department, who refused my payments and terminated my contract and have sent repossession guys out twice, but have told them the vehicle is not going to be surrendered until they take to court so I can show the judge (I have a file full of letters) just how unscrupulous the company Network Leaseplan are.

 

They tried the threat of telling the police the vehicle was stolen, but this is a civil matter, the police are not interested unless a court order is served.

 

I phoned the police just to let them know of the threat, they made a note, but as I'm the registered keeper, as you will be, they assured me they would not react to anything of this type.

 

Good luck, keep us posted.